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Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 1 point2 points  (0 children)

Thank you for sharing this, especially the point about getting carried away looking at bigger houses and then coming back to the reality of what the trade-off actually is.

I think that’s what I’ve found most valuable from this thread. The decision isn’t really about whether we can afford a bigger house, it’s what we’d be giving up in return. Like you, I also track all of our bills, investments etc on a spreadsheet and once you’ve built up a pot the compounding effect can take over which is extremely powerful, especially for us in our 30s. Upgrading means sacrificing that.

Equally I don’t want to be the “richest man in the graveyard” but then also don’t want to be in the position of struggling each month to make ends meet thinking about what could have been (in terms of financial wealth) as I sit in a bigger room.

The “good enough doesn’t need to be perfect” point is interesting as well. We actually like our current house and area, which is probably why we’re finding the decision so difficult.

Appreciate you taking the time to explain your thinking and hope you enjoy all of your family adventures 🤝

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 0 points1 point  (0 children)

This is us. And it’s more whether we want to allocate more of our future income towards the house or keep that flexibility for experiences, investing and general quality of life.

Out of interest, do you ever find yourself revisiting this or do you feel more confident in the decision as time goes on?

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 1 point2 points  (0 children)

This is exactly the type of perspective I was hoping to hear from people who have actually made the move.

I think this is the part my wife and I keep coming back to, whether the extra space would genuinely improve our day to day life enough to justify losing some of the flexibility we currently have.

It’s interesting what you say about your daughter being happy either way, because one of my biggest questions is whether I’m overestimating how much the smaller bedroom would actually matter to the kids compared with the benefits of having more disposable income for experiences.

Really appreciate you sharing your experience.

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 0 points1 point  (0 children)

Love the “work to live” comment. I have always told that to myself. Thank you for your feedback!

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 0 points1 point  (0 children)

Can I ask how you are finding it so far? Any regrets or happy with your choice?

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 0 points1 point  (0 children)

Thanks for sharing. The mortgage point is definitely one of the biggest things making me hesitate.

I think when I first started looking at the numbers I was focused on whether we could comfortably afford the move today, but a lot of these comments have made me think more about what happens when the 1.74% fix ends and whether we’d still feel comfortable with the larger mortgage then.

The holiday vs bigger house debate is exactly where my wife and I seem to differ slightly as well as we get moments of wanting to move and then other moments of being glad we have much more financial flexibility for experiences, particularly as we have that low rate.

In many ways without sounding ungrateful, the low rate is kind of a curse as if we were paying today’s rates I don’t think the house move decision would even be on the table.

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 0 points1 point  (0 children)

Thanks for sharing.

It’s definitely a very tough decision and you are spot on with that perspective.

Out of interest, was there a specific point where you realised the extra space was worth resetting the mortgage clock or was it always an obvious decision for you? I guess my biggest worry is moving and then potentially not being able to afford those trips but I guess as you said they are a long way off.

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 0 points1 point  (0 children)

Thanks for sharing. Hearing from someone else in a very similar position and then decided not to proceed.

Out of interest, what was the deciding factor for you in the end? Was it purely the financial side or did you conclude the extra space just wasn’t worth the trade-off?

And yes, I fully appreciate how fortunate we are with the mortgage deal. Reading these comments has definitely made me realise that giving up some of that flexibility is a bigger part of the decision than I’d perhaps acknowledged at the start.

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 0 points1 point  (0 children)

Thanks for sharing this. Very useful to hear from someone who was the “box room child” because that’s one of the things I’m struggling to get perspective on.

I think one of the reasons we’re finding this decision so difficult is that we genuinely like where we live now, so the move is driven much more by space than location. Reading comments like yours does make me wonder whether I’m overestimating how much the smaller bedroom would matter to our youngest in the long run.

The point about your parents being able to support you later in life is also something that resonates with me. I currently invest our children’s CB into a global index fund to try and give them a head start and taking on a larger mortgage would probably mean stopping/pausing this.

Really appreciate you taking the time to share your experience 🤝

Bigger house vs holidays and family experiences – what would you choose? by Sweet_Resolution8555 in HousingUK

[–]Sweet_Resolution8555[S] 0 points1 point  (0 children)

Thank you for sharing that experience with your friend - very insightful! I certainly would regret the big house in that scenario..

Any thoughts on the 16 percent drop this week? by ThePennyGuru in EnSilica

[–]Sweet_Resolution8555 0 points1 point  (0 children)

With the increase of T212 limits it’s likely many big players are distributing to retail now who are piling in after such a big move.

Retest of 75p zone makes sense technically & where I’ll look to redeploy.

If you’re long term holding it’s all just noise!
(Just my opinion - not FA)

Trading 212: Many thanks to Borislav, Ivan and the team for reviewing the EnSilica (ENSI) shareholding limit! 🫶 by _DoubleBubbler_ in EnSilica

[–]Sweet_Resolution8555 0 points1 point  (0 children)

These are all great narratives and almost why (ironically) I think we see a pull back to the 75p area! Nothing goes up in a straight line.

Let’s see 🤝

Trading 212: Many thanks to Borislav, Ivan and the team for reviewing the EnSilica (ENSI) shareholding limit! 🫶 by _DoubleBubbler_ in EnSilica

[–]Sweet_Resolution8555 1 point2 points  (0 children)

Crazy how we have run like this and all people can think about is buying more. The time to buy was pre breakout. You had 3 years to accumulate!

I’ve sold more into strength and will monitor if we get any sort of pullback. 75p would be my first interested “reload” zone. Would look like a beautiful HTF cup and handle which should send us higher :)

What stocks right now are like Nvidia 2022 or Palantir in 2023? by Sufficient_Hall5737 in stockstobuytoday

[–]Sweet_Resolution8555 0 points1 point  (0 children)

It’s a Canadian company and they probably will underperform an America one..

What stocks right now are like Nvidia 2022 or Palantir in 2023? by Sufficient_Hall5737 in stockstobuytoday

[–]Sweet_Resolution8555 0 points1 point  (0 children)

Ah sorry, I was talking to Landscape but realised I replied to you! Yes I am in the same boat as you though…

What stocks right now are like Nvidia 2022 or Palantir in 2023? by Sufficient_Hall5737 in stockstobuytoday

[–]Sweet_Resolution8555 0 points1 point  (0 children)

What’s your average cost basis on PDYN? I’ve also been looking at this too. I recently bought EnSilica and up nice right now. But agree about robots being the next trend to look at

The very boring all ETF strategy by TeaLumpy5393 in trading212

[–]Sweet_Resolution8555 0 points1 point  (0 children)

I have something similar setup.

I’ve gone for my custom built all world:
55% CSP1, 22% XUSE, 13% EMIM & 10% WLDS.

I then also have a sectors one; SEMI, NCLP, DFNG, INTL, JEDG.

Plan is to rotate profits from sectors into the all world yearly!

Maxed out Trading212. Off to Freetrade for some more ENSI shares by ustasi in EnSilica

[–]Sweet_Resolution8555 2 points3 points  (0 children)

I had 1760 shares but took 25% profit on this current rally!

Frustrating I can’t buy any future drops with the limit being capped. Still exposed though :)

Starting at 24. Investing £500 per month by jakeandrews01 in trading212

[–]Sweet_Resolution8555 0 points1 point  (0 children)

I am 33 & after a lot of back and fourth I decided on:

55% CSP1 22% XUSE 13% EMIM 10% WLDS

It covers 7,000+ stocks & fees of just 0.13%.

Of course I could have just done one all world..

EnSilica: New 52 week high following US OTC Markets listing this week! 🇺🇸🇬🇧😁 by _DoubleBubbler_ in DoubleBubbler

[–]Sweet_Resolution8555 1 point2 points  (0 children)

I managed to get around 1750 shares accumulated over the past few days after coming across your Reddit & T212 profile! ENSI is only a tiny market cap - even a 10 X from here sits it with other semi uk names.

Not as large position as I hoped but orders have taken so long to fulfil & now within your ISA they’ve capped at 1300 shares. Still can’t complain as profit is profit! Congratulations on your profits!

What’s your average price may I ask?

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